The personal lines underwriter is in charge of the front line underwriting of an assigned territory. He/She evaluates personal auto, property, and liability risks. He/She investigates and gathers information necessary to pre-underwrite or underwrite an account and helps in training new staff. Furthermore, he/she produces new business and retains renewal business by marketing through insurance carriers. Also, he/she prepares quotations and rates and negotiates with company underwriters and producers for price, terms, and coverages to suitably structure and bind accounts.

For this role, you will need at least a bachelor's degree and at least three years of relevant work experience. You must possess communication, decision-making, attention to detail, organization, and interpersonal skills. You must be proficient in Microsoft Office. Also, you must be familiar with the preferences of insurance markets for this role. Personal lines underwriters earn an average salary of $52,976 per year. This varies from $41,000 to $69,000.

What Does a Personal Lines Underwriter Do

There are certain skills that many personal lines underwriters have in order to accomplish their responsibilities. By taking a look through resumes, we were able to narrow down the most common skills for a person in this position. We discovered that a lot of resumes listed analytical skills, detail oriented and interpersonal skills.

Learn more about what a Personal Lines Underwriter does

How To Become a Personal Lines Underwriter

If you're interested in becoming a personal lines underwriter, one of the first things to consider is how much education you need. We've determined that 63.9% of personal lines underwriters have a bachelor's degree. In terms of higher education levels, we found that 5.2% of personal lines underwriters have master's degrees. Even though most personal lines underwriters have a college degree, it's possible to become one with only a high school degree or GED.

Learn More About How To Become a Personal Lines Underwriter

Personal Lines Underwriter Career Paths

Average Salary for a Personal Lines Underwriter

Personal Lines Underwriters in America make an average salary of $69,706 per year or $34 per hour. The top 10 percent makes over $111,000 per year, while the bottom 10 percent under $43,000 per year.
Average Personal Lines Underwriter Salary
$69,706 Yearly
$33.51 hourly
$43,000
10 %
$69,000
Median
$111,000
90 %

What Am I Worth?

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How To Become a Personal Lines Underwriter
How To Become a Personal Lines Underwriter Career Overview

States With The Most Personal Lines Underwriter Jobs

Mouse over a state to see the number of active personal lines underwriter jobs in each state. The darker areas on the map show where personal lines underwriters earn the highest salaries across all 50 states.

Average Salary: Job Openings:

Number Of Personal Lines Underwriter Jobs By State

RankStateNumber of JobsAverage Salary
1California1,451$75,711
2Texas1,399$66,571
3Florida856$59,780
4Pennsylvania769$76,504
5New York757$96,655
6Illinois744$72,724
7Ohio691$63,683
8North Carolina620$67,415
9Michigan592$75,564
10Arizona492$69,213
11New Jersey414$79,688
12Georgia382$68,251
13Washington381$81,325
14Colorado368$74,334
15Indiana366$72,769
16Minnesota362$70,899
17Virginia337$71,365
18Missouri331$62,472
19Massachusetts322$88,574
20Connecticut304$76,190
21Wisconsin288$71,438
22Oregon282$68,003
23Maryland258$69,306
24Tennessee252$58,162
25Iowa221$62,304
26South Carolina214$54,338
27Kansas202$69,421
28Utah181$61,339
29Kentucky179$60,145
30Alabama162$52,028
31Nebraska120$58,825
32Arkansas113$53,387
33Louisiana113$51,299
34Nevada110$64,932
35Oklahoma109$61,081
36Mississippi102$51,566
37Idaho93$63,272
38South Dakota70$64,912
39Maine65$68,804
40Rhode Island65$67,869
41New Mexico65$60,873
42North Dakota64$71,165
43Delaware64$75,095
44West Virginia53$60,560
45New Hampshire48$77,300
46Montana47$64,782
47Hawaii43$43,113
48Wyoming42$59,243
49Vermont40$66,418
50Alaska38$51,349

Personal Lines Underwriter Education

Personal Lines Underwriter Majors

37.4 %

Personal Lines Underwriter Degrees

Bachelors

63.9 %

Associate

14.2 %

High School Diploma

11.1 %

Top Colleges for Personal Lines Underwriters

1. University of Pennsylvania

Philadelphia, PA • Private

In-State Tuition
$55,584
Enrollment
10,764

2. Boston University

Boston, MA • Private

In-State Tuition
$53,948
Enrollment
17,238

3. University of Minnesota - Twin Cities

Minneapolis, MN • Private

In-State Tuition
$14,760
Enrollment
31,451

4. Northwestern University

Evanston, IL • Private

In-State Tuition
$54,568
Enrollment
8,451

5. University of Southern California

Los Angeles, CA • Private

In-State Tuition
$56,225
Enrollment
19,548

6. SUNY at Binghamton

Vestal, NY • Private

In-State Tuition
$9,808
Enrollment
13,990

7. Ball State University

Muncie, IN • Private

In-State Tuition
$9,896
Enrollment
15,529

8. Florida State University

Tallahassee, FL • Private

In-State Tuition
$5,656
Enrollment
32,072

9. Butler University

Indianapolis, IN • Private

In-State Tuition
$41,120
Enrollment
4,553

10. University of Wisconsin - Madison

Madison, WI • Private

In-State Tuition
$10,555
Enrollment
30,360

Top Skills For a Personal Lines Underwriter

The skills section on your resume can be almost as important as the experience section, so you want it to be an accurate portrayal of what you can do. Luckily, we've found all of the skills you'll need so even if you don't have these skills yet, you know what you need to work on. Out of all the resumes we looked through, 11.8% of personal lines underwriters listed insurance policies on their resume, but soft skills such as analytical skills and detail oriented are important as well.

Choose From 10+ Customizable Personal Lines Underwriter Resume templates

Zippia allows you to choose from different easy-to-use Personal Lines Underwriter templates, and provides you with expert advice. Using the templates, you can rest assured that the structure and format of your Personal Lines Underwriter resume is top notch. Choose a template with the colors, fonts & text sizes that are appropriate for your industry.

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Personal Lines Underwriter Resume
Personal Lines Underwriter Resume

Personal Lines Underwriter Demographics

Personal Lines Underwriter Gender Distribution

Female
Female
57%
Male
Male
43%

After extensive research and analysis, Zippia's data science team found that:

  • Among personal lines underwriters, 56.9% of them are women, while 43.1% are men.

  • The most common race/ethnicity among personal lines underwriters is White, which makes up 71.1% of all personal lines underwriters.

  • The most common foreign language among personal lines underwriters is Spanish at 59.6%.

Work Experience Programs For Personal Lines Underwriters

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Cost: Free

Duration: 5-6 hours

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Company: Standard Bank

Cost: Free

Duration: 4.5-5.5 hours

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Company: Linklaters Hong Kong SAR

Cost: Free

Duration: 6-7 hours

Introduction to Law Program

Company: Monash University

Cost: Free

Duration: 5-6 hours

Audit Program

Company: Grant Thornton Australia

Cost: Free

Duration: 5-6 hours

Workplace Preparation Program

Company: ANZ

Cost: Free

Duration: 5-6 hours

Digital Intelligence in Business Transformation Program

Company: PwC Switzerland

Cost: Free

Duration: 7-8 hours

Business and Human Rights Program

Company: Clifford Chance

Cost: Free

Duration: 7.5-8.5 hours

Public Health Policy & Management Program

Company: Australasian Society for HIV, Viral Hepatitis and Sexual Health Medicine

Cost: Free

Duration: 5-6 hours

Developer Program

Company: Accenture Nordics

Cost: Free

Duration: 2-3 hours

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Best States For a Personal Lines Underwriter

Some places are better than others when it comes to starting a career as a personal lines underwriter. The best states for people in this position are New York, Massachusetts, Washington, and New Jersey. Personal lines underwriters make the most in New York with an average salary of $96,655. Whereas in Massachusetts and Washington, they would average $88,574 and $81,325, respectively. While personal lines underwriters would only make an average of $79,688 in New Jersey, you would still make more there than in the rest of the country. We determined these as the best states based on job availability and pay. By finding the median salary, cost of living, and using the Bureau of Labor Statistics' Location Quotient, we narrowed down our list of states to these four.

1. New York

Total Personal Lines Underwriter Jobs:
757
Highest 10% Earn:
$149,000
Location Quotient:
1.07

2. Michigan

Total Personal Lines Underwriter Jobs:
592
Highest 10% Earn:
$117,000
Location Quotient:
1.39

3. Pennsylvania

Total Personal Lines Underwriter Jobs:
769
Highest 10% Earn:
$119,000
Location Quotient:
1.2
Full List Of Best States For Personal Lines Underwriters

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Top Personal Lines Underwriter Employers

Most Common Employers For Personal Lines Underwriter

RankCompanyAverage SalaryHourly RateJob Openings
1Chubb$98,823$47.5145
2American Family Insurance$87,917$42.2712
3The Hanover Insurance Group$84,725$40.7314
4Burns & Wilcox$83,184$39.9920
5The Hartford$82,857$39.8428
6Auto-Owners Insurance$80,835$38.8650
7Allied Insurance Brokers$80,486$38.7031
8Nationwide$80,433$38.67150
9Kemper$79,762$38.3526
10State Farm$78,991$37.9818

Personal Lines Underwriter Videos